# Payment API 2.0

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⏱ 1 min
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👤 Payment API Team
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      Credentials
   
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      Individual credentials will be provided by your Ratepay representative.
   
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Test
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Live
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         For OAuth Authentication API
      
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Client ID:
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snbFcxD4Rxt2O4YqeGqDls9yrGWYhmQ0
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Client Secret:
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IHa7jiW0hMlH0VsoxDTZ03XH76NED7RwFvJLsmmUXg9fkowhiVQqp7EA84WoYT1Q
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Audience:
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https://api-integration.ratepay.com/transaction/management
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         For Payment API 2.0
      
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Partner Shop ID:
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INTEGRATION_TE_DACH
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         For OAuth Authentication API
      
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Client ID:
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      You will receive this via your Ratepay representative.
      
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Client Secret:
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      You will receive this via your Ratepay representative.
      
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Audience:
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https://api.ratepay.com/transaction/management
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         For Payment API 2.0
      
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Partner Shop ID:
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      You will receive this via your Ratepay representative.
      
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The Ratepay Payment API 2.0 is a [JSON-based web interface](https://wikipedia.org/wiki/JavaScript_Object_Notation) that implements the services essential for enabling online shops to use Ratepay’s payment products.

To process a transaction, the following APIs must be integrated:

1. [**OAuth Authentication API**](/docs/developer/authentication/authentication/)
To request access tokens for the Payment API 2.0. This should be included in the Authorization header for requests to the Payment API 2.0.
2. [**Payment API 2.0**](/apis/payment/openapi/payment_api)
With the Payment API 2.0, you can transmit and manage Ratepay transactions.


Depending on the sales channel and contractual agreements, the following services must be additionally integrated:

1. For online shops, the [**Device Fingerprinting**](/docs/developer/device_fingerprinting/device_fingerprinting) script must be integrated in your checkout.
2. A [**One Time Passcode**](/docs/developer/otp/introduction) request in your checkout, depending on contractual agreement.